 
                     "\n"
                     (if in-quoted-field
-                      (recur (+ index 1)
+                      (recur (inc index)
                              :in-field
                              in-quoted-field
                              (str field-buffer char)
                              rows)
-                      (recur (+ index 1)
+                      (recur (inc index)
                              :end-line
                              in-quoted-field
                              ""
                              (conj-in rows last-row-index field-buffer)))
 
-                    (recur (+ index 1)
+                    (recur (inc index)
                            :in-field
                            in-quoted-field
                            (str field-buffer char)

                               true
                               (str field-buffer char)
                               rows)
                        (recur (+ index 1) :in-field false field-buffer rows))
                      (recur (+ index 1)
                             :in-field
                             true
                             field-buffer


                    separator
                    (if in-quoted-field
                      (recur (inc index)
                             :in-field
                             in-quoted-field
                             (str field-buffer char)
                             rows)
                      (recur (inc index)
                             :end-field
                             in-quoted-field
                             ""
